Does Synchrony act like Comenity w MC?

[JimBo99]

Question for the experts out there.   I have a Belk Store card currently and I really wanna get the Marvel MC.  Does Synchrony do the same thing as Comenity and suddenly start shutting down cards, due to "Inquiries" when you add a MC to your profile of store cards?  I've read a lot of horror stories about Comenity and wanted to make sure that the Belk card would remain safe.  Thanks ahead of time for everyone's help. 

[Anonymous]

Not really, but they are known for the Blue Envelope of hell. Read up on them.

[UncleB]

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@JimBo99 wrote:

Question for the experts out there.   I have a Belk Store card currently and I really wanna get the Marvel MC.  Does Synchrony do the same thing as Comenity and suddenly start shutting down cards, due to "Inquiries" when you add a MC to your profile of store cards?  I've read a lot of horror stories about Comenity and wanted to make sure that the Belk card would remain safe.  Thanks ahead of time for everyone's help. 

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As long as you don't go and apply for a number of Synchrony accounts in a short amount of time you'll likely be fine.  I have four accounts with them (Lowe's, Belk, Sam's Club MC and Care Credit) and I've never had a problem. 

While the are some notable exceptions, usually the people who have had problems opened a number of accounts in a short period of time, and many of those also pushed for multiple large CLIs as well.

Here's a link to the thread with the 'blue envelope' info: http://ficoforums.myfico.com/t5/Credit-Cards/What-the-heck-is-going-on-with-Synchrony/td-p/4669682

[JimBo99]

I've had the Belk Card since Oct 2016.  The Marvel Card will be my second Sync Card, if approved.

[Anonymous]

I have marvel, care credit, artvan, lowes, stash, never any issue with them.

[JimBo99]

Was approved for the Marvel Card.  Experian and Equifax are reporting a limit of $1500.  I will give em a call when I get the card.  Not sure how people are accessing their accounts online prior to recieving card.  I set up a user name and password during the app process, but everytime I try to sign in, it tells me the user name is not in their system. 

[Anonymous]

R u using mymarvelcard.com ?

[JimBo99]

Yes.  I'll just wait til my card gets there.  Not the end of the world.  Just wonder what I'm doing wrong. 

[creditguy]

Even with the Blue Envelopes, no one comes close to acting Comenity, they are in a class by themselves and it's an odd class.